Timeframes
Chargeback maximum time to file POS: Either of the following:
- 120 days from the Network Processing Date of the Presentment, or
- 120 days from one (1) of the below (whichever occurred first):
- From the expected date of receipt of the Goods and Services (for example, airline flight date or entertainment performance date), or
- From the date the Cardmember becomes aware that the expected Goods and Services would not be provided, not to exceed 540 days from the Network Processing Date of the First Presentment (for example, airline bankruptcy or entertainment performance cancellation)
Chargeback maximum time to file SVDF: 120 days from the Network Processing Date of the Presentment for Transactions used to fund an SVDF where the funds were not loaded to the SVDF or only partially loaded.
Chargeback maximum time to file ATM: Forty-five (45) days from the Network Processing Date of the Fulfillment Notification
...
The Issuer must meet all the following conditions:
- May be used even if the Transaction was Authorized.
- Amount to be charged back is the full Transaction amount.
- Before filing this Chargeback, the Issuer must manually enter the fraud Transaction into the WFIS or electronically transmit it into the GNS Fraud Repository.
- For Final Chargeback - This Chargeback is only applicable if the First Chargeback was either a fraud type or one of the following:
- 4512 - Multiple Processing
- 4516 - Request for Support Not Fulfilled
- 4517 - Request for Support Illegible/Incomplete
- 4754 - Local Regulations/Legal Dispute
Dependencies
- Cardmember Documentation or Issuer Declaration that supports the Chargeback
Validations
...
- Card Acceptor High Risk Indicator = S, I, F, T or X
...
Card Data Input Mode, position 7 = 9
...
- Program Indicator in 892-893 of First Pres 1240 msg = 08
...
Card present, position 6 = X
...
- Card present, position 6 = X
- Card Acceptor High Risk Indicator = F
...
High Risk S/Es listed under the following categories are not eligible for Excluded Transactions under this ISO code:
a. Risk indicators of “I”, “S”, “X”
b. Gambling MCCs 7801, 7802, 7995
...
- Card Acceptor High Risk Indicator = I, S or X or
- MCC = 7801, 7802, 7995
...
Related Questionnaires
Fraud Questionnairecondition:
- The Cardmember made a Good Faith attempt to either obtain or cancel the Goods or Services not received or return the partially received Good or Services in compliance with both the S/E’s cancellation/return policy and local law and regulation.
And one (1) or more of the following conditions is also met:
- The amount to be charged back will either be for that part of the Goods or Services which were not received or for the entire Transaction amount when partially delivered shipments have been returned to the S/E. In the case of funds dispensed from an ATM, no return of partially dispensed funds is necessary.
- The Cardmember ordered Goods or Services via mail/telephone/Internet means, to be delivered to the address specified by the Cardmember and the Goods or Services were not received.
- In the case of Transactions to fund an SVDF, the funds were not loaded to the SVDF or only partially loaded. The amount to be charged back is limited to the difference between the Presentment Amount and the amount loaded to the SVDF. No return of partially loaded funds is necessary.
Dependencies
Validations
| Validation | Value | Logic | Associated Rule(s) |
|---|---|---|---|
| Is a POS or ATM transaction | True |